I completely agree with you and this it the reason I get upset when Democrats blame Bill and Hillary for the Republican landslide in 1994.  Bill and Hillary were not in the House and Senate.  They were in the White House.  They had no way of preventing Congressional Democrats from drafting their own bill on their own.  I remember seeing an interview with Tom Daschle in which he said that if Hillary had taken a different approach, a bill would have passed and he said that Bob Dole even expressed interested in some kind of reform bill.  Why didn't the Democrats in Congress do something?  Maybe because it was easier to let the whole thing fail and blame it on the First Lady?